State Bank of Schaller: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Core deposits to total deposits: 6.74 percentage points higher than in Q1 2026, at 88.27%. On loan-to-deposit ratio, State Bank of Schaller is 3rd from the bottom among 225 Iowa banks, 28.86% (Q2 2026). Against a median of 67.92% for banks in the < $100M asset tier, State Bank of Schaller reported 28.86% on loan-to-deposit ratio in Q2 2026, 39.07 points lower.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $6.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $29.7M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 28.86% |
| Net loans and leases to deposits | 28.55% |
| Loans and leases to core deposits | 29.85% |
| Core deposits to total deposits | 88.27% |
| Brokered deposits to total deposits | 8.40% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 31.10% | 94.23% | $0 | $0 |
| Q4 2023 | 34.22% | 92.20% | $0 | $0 |
| Q1 2024 | 37.09% | 91.25% | $0 | $0 |
| Q2 2024 | 33.62% | 90.84% | $0 | $0 |
| Q3 2024 | 30.01% | 94.68% | $0 | $0 |
| Q4 2024 | 30.68% | 86.61% | $0 | $0 |
| Q1 2025 | 30.50% | 86.40% | $0 | $0 |
| Q2 2025 | 30.73% | 82.29% | $0 | $0 |
| Q3 2025 | 29.58% | 85.05% | $0 | $0 |
| Q4 2025 | 30.52% | 85.67% | $0 | $0 |
| Q1 2026 | 28.82% | 81.53% | $0 | $0 |
| Q2 2026 | 28.86% | 88.27% | $0 | $0 |
State Bank of Schaller liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank of Schaller, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full State Bank of Schaller profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13931) · FFIEC NIC profile (RSSD 534242)